Calculators

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Finance, investment, and planning calculations — explained and demystified.

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Loan Planner Jul 12, 2026 Latest ✦

Why Minimum Credit Card Payments Take 30 Years — DTI Ratio, the Debt Spiral Condition, and Scenario Analysis

The minimum payment on a £5,000 credit card balance at 20% APR takes 28-32 years to repay and costs £7,500-9,000 in interest — more than the original debt. Here's the DTI calculation (with thresholds), the mathematical condition for a debt spiral (monthly interest ≥ monthly payments), how to use a loan planner to diagnose whether you're in slow-motion debt spiral territory, and the order-of-operations for debt vs saving decisions.

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Date Calculator Jun 5, 2026

Date Calculator — Find Days Between Dates or Add Days Instantly

Use the free date calculator on sadiqbd.com to find the difference between two dates or add and subtract days from any date — handles leap years, month lengths, and deadlines instantly.
Compound Interest Jun 5, 2026

Compound Interest Calculator — How It Works & Real Examples

Learn how compound interest works and use our free calculator to project your savings or investment growth with real numbers, worked examples, and practical tips.